| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $17K | — | $17K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.77% |
| HEATHER M BRAMER3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $2K | $110 | $2K | 5.72% |
| ASHLEY D WARNER3 | 712 2ND ST SW DESMET, SD 57231 | AFLAC | $2K | $22 | $2K | 5.18% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $495 | $22 | $517 | 1.32% |
| WARREN L FRICK3 | 4655 HAMPTONS DR ALPHARETTA, GA 30004 | AFLAC | $277 | — | $277 | 0.71% |
| JULIA KREJCHI3 Filed as: JULIA MOES | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $212 | — | $212 | 0.54% |
| NEFZGER ENTERPRISES INC3 | 524 W LAKE DR LAKE NORDEN, SD 57248 | AFLAC | $170 | — | $170 | 0.43% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH L LANGENFELD HOOPS | PO BOX 462 HURON, SD 57350 | AFLAC | $136 | — | $136 | 0.35% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $119 | — | $119 | 0.30% |
| TERRI BRUNER3 | 313 17TH ST NE WATERTOWN, SD 57201 | AFLAC | $102 | — | $102 | 0.26% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $87 | — | $87 | 0.22% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $84 | — | $84 | 0.21% |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVE TEA, SD 57064 | AFLAC | $74 | — | $74 | 0.19% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $73 | — | $73 | 0.19% |
| CHRISTIE L WOOKEY3 | 808 S MAPLE WATERTOWN, SD 57201 | AFLAC | $61 | — | $61 | 0.16% |
| MICHAEL D EVANS JR3 | 3199 SIOUX CONIFER RD WATERTOWN, SD 57201 | AFLAC | $58 | — | $58 | 0.15% |
| PEAK INC3 | 40658 252ND ST MITCHELL, SD 57301 | AFLAC | $57 | — | $57 | 0.15% |
| THEODORE W HONKE3 | 20658 252ND ST MITCHELL, SD 57301 | AFLAC | $53 | — | $53 | 0.14% |
| LANCE D THORSON3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $29 | — | $29 | 0.07% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $24 | — | $24 | 0.06% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $21 | — | $21 | 0.05% |
| LISA K UHLIR3 | 8516 E WILLOW RIDGE PL SIOUX FALLS, SD 57110 | AFLAC | $21 | — | $21 | 0.05% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $7 | — | $7 | 0.02% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $5 | — | $5 | 0.01% |
| JUSTINE DEVILLE3 Filed as: JUSTINE N DEVILLE | 5514 7TH AVE SW WATERTOWN, SD 57201 | AFLAC | $3 | — | $3 | 0.01% |
| TORI L FENEMOR3 | 2025 S 11TH ST SAINT LOUIS, MO 63104 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE E ST ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 57.69% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 255 | $938K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 283 | $104K |
| Vision | STANDARD INSURANCE COMPANY | 242 | $15K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 44 | $54K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 255 | $938K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 28 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.